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CPI Card Group Inc.

PMTS Financial Credit Services

CPI Card Group Inc.’s revenue for fiscal 2025 (year ended December 2025) was $543.5 million, up 13.1% from fiscal 2024.

Revenue
+14.8%
EPS
+115.0%
Free cash flow
+90.2%
Total debt
−18.6%

Quarter to September 2026, against a year earlier

24.16 0.54 −2.19%
Market cap
$286.3M
P/E
17.1×
Fwd P/E
14.7×
Dividend yield
—
F-score
4/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 14.85
Sold, $m 83.70
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy 1 — — — — 1 — — — 5 — —
Sell 1 — — — — 1 — — — 1 — —
Insider Ownership 28.89%

Capital & Financial Ratios $m

Size
Market Cap 286.32
Revenue ttm 607.70
Net income ttm 16.47
Free cash flow ttm 81.34
Net debt Q 235.96
Valuation
P/E 17.12
Forward P/E 14.70
Price / sales 0.47
Forward P/S Powerpack
Price / FCF 3.48
Price / book 0.00
Financial health
Current ratio Q 2.06
Debt / equity Q (35.72)
Interest coverage Q 1.60
Growth
Revenue growth Q +14.78% (above 0%: growing)
Operating income growth Q +20.26% (above 0%: growing)
EPS, this year +21.64% (at or above 15%: strong)
EPS, next year A +30.78% (at or above 15%: strong)
Revenue, next year A +11.20% (at or above 10%: strong)
EPS, past 5 yrs −2.79% (below 0%: weak)
EPS, next 5 yrs A +4.84%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 70.63%
10-year low 10-year high
P/S against its own 10 years 51.89%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—
Growth, 2016–20
−100.0%/yr
  1. 0.90 ’16
  2. 0.45 ’17 −50
  3. 0.00 ’18 −100
  4. 0.00 ’19
  5. 0.00 ’20
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 12 34 22 15
Receivables 74 85 95 91
Inventory 71 73 72 64
Other — — — —
165 203 205 183
2023 2024 2025 Q'26
Payables 13 16 28 31
ST’ Debt — — — —
Other — — — —
49 76 84 89

Compound Annual Growth %

10y 5y 3y
Sales 3.81% 11.73% 4.54%
Cash Flow 3.08% 22.00% 23.83%
Earnings 0.00% (1.51%) (25.76%)
Book Value 0.00% 0.00% 0.00%

Earnings Trends EPS, adjusted, against the consensus

Q2 FY26 Estimate 0.45 Actual 0.56

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q3 FY25 0.63 0.47 Miss by 0.16
Q4 FY25 0.50 0.77 Beat by 0.27
Q1 FY26 0.24 0.38 Beat by 0.14
Q2 FY26 0.45 0.56 Beat by 0.11
Q3 FY26 0.84 — Reports 4 November 2026

EPS $

Mar Jun Sep Dec Year
’26 0.17 0.17 0.41 — —
’25 0.40 0.04 0.19 0.62 1.25
’24 0.46 0.51 0.11 0.57 1.64
’23 0.91 0.55 0.33 0.23 2.01
’22 0.51 0.52 1.01 1.06 3.11
’21 0.21 0.53 0.56 0.06 1.36
’20 0.16 0.01 0.52 0.64 1.44
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 147 149 158 — —
’25 123 130 138 153 544
’24 112 119 125 125 481
’23 121 115 106 103 445
’22 111 113 125 126 476
’21 89 93 100 93 375
’20 74 71 83 84 312
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 14 29 15 — —
’25 6 4 10 40 60
’24 9 (5) 13 27 43
’23 8 2 12 12 34
’22 (16) 8 20 20 31
’21 0 23 (8) 6 20
’20 3 9 (2) 12 22
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 10 26 10 — —
’25 0 1 5 35 41
’24 7 (6) 11 22 34
’23 4 0 12 11 28
’22 (19) 3 14 16 13
’21 (2) 21 (9) 0 10
’20 2 8 (4) 8 15
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 309 224 256 278 312 375 476 445 481 544 608 +6.5% 604 654 697 +8.7%
Gross margin, % 33.01 30.48 30.72 32.75 35.33 37.70 36.95 34.98 35.63 31.29 31.45 (1.7) pt
EBT 9 (40) (19) (2) 13 24 49 34 25 22 22 +10.9%
EBT margin, % 2.77 (17.71) (7.48) (0.55) 4.13 6.35 10.33 7.75 5.21 4.00 0.00 +1.2 pt
Net income 5 (22) (37) (5) 16 16 37 24 20 15 16 +12.0%
Per share, $
Per share, $ Revenue 27.65 20.13 22.94 24.83 27.80 33.38 42.13 38.91 43.09 47.98 52.51 +6.3%
Earnings 0.50 (1.98) (3.36) (0.46) 1.44 1.42 3.24 2.10 1.75 1.32 1.43 +11.4%
Cash flow 5.37 0.22 0.32 0.25 1.96 1.80 2.78 2.98 3.88 5.25 8.37 (0.2%)
Capex (1.28) (0.65) (0.51) (0.37) (0.63) (0.90) (1.58) (0.56) (0.83) (1.60) (1.34) +2.5%
Free cash flow 4.09 (0.43) (0.19) (0.12) 1.33 0.90 1.19 2.42 3.05 3.65 7.03 (1.3%)
Book value (8.53) (10.76) (13.41) (13.78) (12.29) (10.77) (7.27) (4.55) (3.19) (1.53) (0.61) (17.4%)
Shares, m 11 11 11 11 11 11 11 11 11 11 11 +0.2%
Valuation, ×
Valuation, × P/E 44.60 0.00 0.00 0.00 3.28 13.16 11.59 9.32 17.08 11.21 17.12 11.0
P/S 0.76 0.20 0.10 0.04 0.16 0.56 0.89 0.50 0.69 0.31 0.47 0.4
P/B 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.0
EV/Sales 1.65 1.50 1.25 1.11 1.05 1.33 1.49 1.09 1.22 0.81 — 1.2
EV/FCF 11.13 (69.37) (151.40) (231.01) 22.01 49.18 52.46 17.53 17.27 10.63 — (27.2)
Cash, $m
Cash, $m Operating cash flow 60 2 4 3 22 20 31 34 43 60 97 (0.1%)
Capex (14) (7) (6) (4) (7) (10) (18) (6) (9) (18) (16) +2.7%
Free cash flow 46 (5) (2) (1) 15 10 13 28 34 41 81 (1.1%)
Balance, $m
Balance, $m Working capital 57 67 43 51 96 81 100 116 127 121 94 +8.7%
Net debt 265 281 286 294 279 283 274 253 247 265 236 0.0%
Shareholders’ equity (95) (120) (150) (154) (138) (121) (82) (52) (36) (17) (7) (17.3%)
Returns, %
Returns, % ROA 1.98 (8.83) (16.98) (2.44) 6.73 5.97 12.94 8.13 6.07 3.97 4.16 +2.0 pt
ROIC 10.67 (7.49) 2.10 11.09 17.01 22.95 25.70 19.18 18.58 13.84 15.51 +3.2 pt
ROE (5.94) 20.49 27.84 3.37 (11.03) (12.31) (35.98) (35.80) (44.59) (56.46) (100.73) (50.5) pt
People
People Employees 1,308 1,200 1,100 1,100 1,000 1,150 1,375 1,448 1,500 1,700 — +3.0%
Revenue/emp, $m 0.24 0.19 0.23 0.25 0.31 0.33 0.35 0.31 0.32 0.32 — +3.4%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 4 Nov 2026

CPI Card Group Inc. vs peers in Credit Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
OPFI OppFi Inc. $534.3M 2.7× 3.3× −11.29% (below 0%: shrinking) −72.30% (below 0%: shrinking) −18.42% (below 0%: shrinking) 85.94% 0.00% Compare
OPRT Oportun Financial Corporation $533.5M 15.3× 10.1× +3.18% (above 0%: growing) +327.27% (above 0%: growing) +21.79% (above 0%: growing) 83.30% 0.00% Compare
FINV PPDAI Group Inc. Sponsored ADR $376.9M 2.6× 3.4× +0.42% (above 0%: growing) −31.71% (below 0%: shrinking) −7,180.65% (below 0%: shrinking) 78.46% 17.42% Compare
RM Regional Management Corp. $336.6M 7.2× 7.2× +8.03% (above 0%: growing) +9.80% (above 0%: growing) −5.64% (below 0%: shrinking) 100.00% 24.60% Compare
PMTS CPI Card Group Inc. $286.3M 17.1× 14.7× +14.78% (above 0%: growing) +115.00% (above 0%: growing) +90.21% (above 0%: growing) 31.73% 9.89%
MFIN Medallion Financial Corp. $223.7M 8.6× 8.8× +10.13% (above 0%: growing) −67.65% (below 0%: shrinking) +176.13% (above 0%: growing) 66.95% 0.00% Compare
FOA Finance of America Companies Inc. $222.1M — (loss-making) 2.6× −64.77% (below 0%: shrinking) n/m −89.96% (below 0%: shrinking) 100.00% (69.79%) Compare
CPSS Consumer Portfolio Services, Inc. $215.9M 9.1× 6.8× +21.66% (above 0%: growing) +45.45% (above 0%: growing) +11.04% (above 0%: growing) 100.00% 61.10% Compare
TROO TROOPS, Inc. $212.6M — (loss-making) — +10.79% (above 0%: growing) +101.54% (above 0%: growing) −94.20% (below 0%: shrinking) 23.83% 0.00% Compare
Median of peers $280.2M 7.9× 6.8× +5.61% +9.80% −12.03% 84.62% 0.00%

All 53 Credit Services stocks →

CPI Card Group Inc. (PMTS) Latest News

4 Nov

Impact 3 · · The Motley Fool transcript
Impact 3 · · MarketBeat transcript
Impact 3 · · Moby
Impact 3 · · Business Wire

29 Sep

Impact 4 · · Business Wire

22 Sep

Impact 3 ·

11 Sep

Impact 4 · · The Motley Fool

13 Aug

Impact 4 · · The Motley Fool transcript

10 Aug

Impact 3 · · The Motley Fool

8 Aug

Impact 4 · transcript

7 Aug

Impact 3 · · MarketBeat transcript

6 Aug

Impact 3 · · Moby
Impact 3 ·
Impact 3 ·

24 Jun

Impact 4 · · Business Wire

3 Jun

Impact 3 ·

13 May

Impact 3 · · Simply Wall St.

5 May

Impact 4 · · MarketBeat
Impact 4 · · Moby
Impact 4 · · The Motley Fool transcript
Impact 4 · · Zacks
Impact 4 · · Business Wire

4 May

Impact 4 · · MarketBeat

29 Apr

Impact 3 · · Simply Wall St.

28 Apr

Impact 3 · · Zacks

24 Apr

Impact 4 · · Simply Wall St.

21 Apr

Impact 3 ·

16 Apr

Impact 4 · · Business Wire

31 Mar

Impact 4 · · Business Wire

9 Mar

Impact 4 · · Zacks
stockrow.com/PMTS · Data as of Nov 4, 2026 · For information only; not investment advice. · © 2026 stockrow.com